Internship report on “credit appraisal & management of mutual trust bank limited”

Abstract

Today necessity of a Bank as a financial institution is undeniable. A country is financially rich when it has modern financial institutions of its own. These institutions play a vital role in the field of financial stability of a country. Banking sector is one of the stable financial institutions of a country. Due to Globalization and Technological changes, the banking business has become very competitive now a day. All banks are competing to give effective real time service to their customers. For giving friendly service to the customers they need experienced and well-educated working force. The overall approach of the report is a Descriptive one as it goes into the depth of service quality of MTBL. Here both primary and secondary information were used. Interview was the basic techniques comply to collect primary data from any people within the organization. Information about the varieties of activities within the Correspondent Banking Department was collected through interviewed. Among the secondary sources to collect data regarding the company’s performance over the past five years are Publications, Annual reports of MTBL., Different circulars and papers of MTBL, Term papers of MTBL Training manuals, Credit Manual, General Banking Operation manual, Banking Lecture sheet within the organization helped me to gather data about the organization. The report contains five chapters. The first chapter of the report describes the introductory words of the internship report in which Introduction of Topic, Origin the Report, Background of the study, Objective of the Report, Scope of the Report, Methodology & Limitations. The second chapter contains the organizational part of “MTBL.”, Organization Structure of “MTBL.”, Vision of “MTBL.”, and Mission Statement, Product and services of “MTBL.” performance evaluation and Description. In the chapter three, Credit Administrations operations of MTBL have been added. The Loans& Credits system and procedure has been described in that chapter, financial performance of Credit department of MTBL has been described.